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Hong Leong Credit Card

Hong Leong Bank offers are a wide range of credit cards that cater to different needs of their customers. You can get cards that are designed specifically for traveling, shopping, rewards, etc. You can earn cashback, transfer the balance, and earn rewards, etc. with your Hong Leong Credit Cards. You can get a credit card if your annual income is just RM24,000.

Why Choose Hong Leong Bank Credit Card?

Hong Leong Credit Cards offer free travel insurance with their credit cards. You will get rewarded when you make prompt repayment. You can also earn rewards for every ringgit spent on the card. You can choose from a wide range of the credit cards that Hong Leong offers. You can choose a credit card that suits your lifestyle. You can convert the purchases to monthly installments. You can transfer the outstanding credit card balance from other credit cards to Hong Leong Credit Card. You will get purchase protection on the items you purchase with Hong Leong Credit Card.

Benefits of Hong Leong Bank Credit Cards

The following are the various features and benefits of Hong Leong Bank Credit Cards:

They support international transactions.

You get rewarded for making prompt payments.

Lower interest rates are charged.

You can withdraw up to 90% of the credit limit.

You get special discounts offered by Visa and MasterCard.

You can earn rewards for every ringgit spent.

You get travel insurance cover when you charge the airline ticket to your Hong Leong Credit Card.

You also get cover for travel accidents, missed connections, luggage loss, luggage delay, and flight delays.

Types of Credit Cards offered by Hong Leong Bank

The following are the various types of credit cards offered by Hong Leong Bank:

Hong Leong Visa Infinite P Visa:

This is an ideal card for travellers. You can earn Enrich Miles with this card. There is no annual fee charged. Every time you spend on your card, it will get converted to Enrich Miles. They are automatically converted every month. Every RM2.8 spent locally on retail is converted to 1 Enrich Mile. You get 1 Enrich Mile when you spend RM1.8 on retail overseas. You get 4x complimentary access to Priority Pass airport lounges around the world.

When you pay for your flight ticket with this card, you get travel insurance coverage of up to RM3 million. You get preferential rates on foreign currencies. You will get Premium Travel Desk assistance. You also get 24x7 assistance for card-related services. You are eligible for Visa Infinite Concierge Service.

Hong Leong Visa Infinite Visa:

This is an ideal card for those who love to travel. You can earn Enrich Miles for every ringgit spent. Every RM2.8 spent locally on retail is converted to 1 Enrich Mile. You get 1 Enrich Mile when you spend RM1.8 on retail overseas.

You get 4x access to Plaza Premium airport lounges around the world. When you pay for the flight ticket with this card, you get travel insurance coverage of up to RM3 million. You get to enjoy preferential rates on foreign currencies. You are entitled to Visa Infinite Concierge Service. You will get Premium Travel Desk assistance. You also get 24x7 assistance for card-related services. The minimum credit limit offered is RM45,000.

Hong Leong Platinum Business MasterCard:

This is an ideal card for a business. You get up to 6x complimentary access to Plaza Premium airport lounges. This card comes with a cheque book facility. The annual fee will be waived if you swipe the card for at least 12 times in a year or if you spend RM15,000 on retail in a year. You get to enjoy up to 30 interest-free days. The interest rate is low.

When you charge the air ticket to this card, you get travel insurance coverage of up to RM1,700,000. You also get retail purchase protection when you pay for your retail transactions. The cash advance fee is RM21.20 or 3% of the amount advanced.

You get to enjoy preferential foreign exchange rates. You can reach the bank at any time on 1-800-38-8830. The maximum credit limit assigned to this card is RM12,000.

Hong Leong WISE Card Visa:

You can earn 10% cashback with this card every day. You can get a cashback of up to RM100 in your chosen category when you spend a minimum of RM2,000 in retail. You can switch categories to enjoy the 10% cashback. You can choose petrol or dining. There are various participating merchants for pharmacies, mobile, petrol, groceries, departmental, utilities, dining, bookstores, travel, and entertainment.

You can select a maximum of 2 categories in addition to the default bonus category to earn 10% cashback. The cashback is capped at RM100 in a month. If you want to switch the categories, you can walk into the nearest branch or call 03-7626-8899. You cannot earn Reward Points when you spend on this card. The minimum credit limit assigned to the platinum card is RM12,000 and for the gold card it is RM2,000.

Hong Leong Essential Visa Card:

With this card, you can get up to 1% unlimited cashback. You won’t be charged any annual fee if you swipe the card 12 times in a year or spend RM8,000 on the card in a year. The cash advance interest rate is 10.8% p.a.

The cash advance fee is 2% of the cash advance or a minimum of RM5, whichever is higher. The minimum credit limit assigned to this card is RM2,000.

Hong Leong The Store and Pacific MasterCard:

You can earn up to 6% cashback every day at The Store & Pacific. You can earn 0.5% cashback on other retail transactions. You get 3% cash rebate when you spend RM1,500 and below at The Store & Pacific. You get 6% cash rebate when you spend above RM1,500.

The cash rebates come in form of The Store & Pacific Gift Vouchers. The gift vouchers can be redeemed at any The Store & Pacific outlet. You get special membership price at The Store & Pacific. You will get invited to members-only events and get offered more benefits. You get to enjoy a host of privileges.

The annual fee is waived if you swipe the card 12 times in a year. The card must be swiped at least 1 time within 45 days from the day the card was issued. The minimum credit limit assigned to a platinum card is RM12,000. RM2,000 is assigned to a gold card.

When you pay for your airline ticket with this card, you can travel insurance of up to RM1,700,000.

Hong Leong Fortune Visa Card:

You can get 1% Real Cash Earning on your dining, shopping, and petrol spends. You can earn up to RM1,800 bonus Real Cash Earning on every anniversary. The Real Cash Earnings do not expire. You also get an annual fee waived if you swipe the card 12 times for retail transactions or when you spend RM8,000 in a year.

You get travel insurance coverage of up to RM750,000 when you pay the air ticket with this card. You earn interest on the Real Cash Earning. The minimum credit limit assigned to this card is RM2,000.

Hong Leong Sutera Platinum MasterCard:

With this card, you can earn up to 6x Rewards Points. This is an ideal card for travellers. You get up to RM1,700,000 million travel insurance coverage when you pay for the flight tickets with this card. You also get complimentary access to Plaza Premium airport lounges.

You get 6x Rewards Points when you spend overseas, 3x Rewards Points when you spend on dining, 3x Rewards Points on local spend on weekends, and 1x Rewards Point on another spend. You are entitled to 24x7 Visa Platinum Concierge. The minimum credit limit assigned to this card is RM12,000.

Hong Leong Gold Visa Card:

With this card, you get 6.99% interest on the balance transfer for a year. You can earn 1 Reward Point for every RM1 spent on this card. When you pay for the travel fare with this card, you get travel insurance coverage of up to RM750,000. You can also take advantage of the Extended Payment Plan that is offered at 0% interest for either 6 months or 12 months. You can withdraw cash at the Express Cash Network and Visa PLUS ATMs around the world.

The low annual interest rate is applied to the amount transferred until the entire balance that is transferred is paid off. You can also enjoy the convenience of auto-reload on your Hong Leong Touch ‘n Go Zing Card. If you balance falls below RM50, RM100 will be automatically reloaded.

You get personalised assistance from the Customer Service Assistance every day. The minimum credit limit assigned to this card is RM2,000.

Hong Leong GSC Gold and Platinum Visa Cards:

This is an ideal card to earn Rewards Points and if you are a movie buff. When you purchase a movie ticket which costs up to RM100, you get 50% off. You also get up to 10% off on soft drinks, popcorn, and movie tickets.

When you spend RM1 on this card, you earn 1 Reward Point. You get to join the priority ticketing lane with the members if you have this credit card.

When the card is approved, you get 1 small popcorn combo set, 1 complimentary movie ticket, 5x buy-one, free-one international screen movie tickets, and 1 50% discount on food and beverage purchases at GSC outlets.

You get 10% off on refreshments for the first 3 months with this card. After the first 3 months, you will get 5% off on refreshments.

You also get dining discounts up to 15% when you dine at GSC food and beverages outlets. You will be eligible for Bonus Value of RM100 for Platinum Credit Card and RM50 for Gold Credit Card. The Bonus Value can be used to offset up to 50% of your ticket.

The annual fee is waived for the first year provided you swipe it once within 45 days of getting the card. The annual fee is waived for the subsequent years of you swipe the card at least 12 times in a year. If you pay your flight tickets with this card, you will get up to RM1,700,000 travel insurance if you have a Platinum Card and RM750,000 travel insurance if you have a Gold Card. The minimum credit limit assigned to this card is RM12,000 for Platinum Card and RM2,000 for Gold Card.

Hong Leong I'm MasterCard:

This is an ideal card for travel and cashback. No annual fee is charged. There is no markup on the overseas transactions. With this card, you have the freedom to express yourself on the card. The credit card can be personalised the way you want. You will be automatically enrolled for e-statements. You can make the most of the digital banking. The minimum credit limit assigned to this card is RM2,000.

The card can be personalised at Mach branch or you can get the list of the branches that offer personalisation services.

Eligibility Criteria to avail Hong Leong Bank Credit Card

If you wish to get a Hong Leong Bank Credit Card, you must meet the following eligibility requirements:

The minimum age required to get a principal credit card is 21 years.

The minimum age required to get a supplementary credit card is 18 years.

Documents Requirements to apply for Hong Leong Bank Credit Cards

You are required to submit the following documents along with the duly filled application form:

Salaried:

A copy of NRIC.

Latest 2 months’ payslip.

Employer confirmation letter.

Latest EPF statement.

Latest 2 months’ bank statements.

Self-employed:

Latest Form B with the tax receipt.

A copy of Business Registration Certificate.

A copy of NRIC.

Latest 6 months’ bank statements.

Foreigner:

A copy of passport.

A copy of employment confirmation letter.

A copy of work permit.

Latest 2 months payslips.

Hong Leong Bank Credit Card Promotion

You will get to enjoy the following promotions with Hong Leong Bank Credit Cards:

You will get RM60 off when you spend a minimum of RM200 in a single receipt at Health2U. This is an ongoing offer that is valid until 31 December 2017.

You will get 10% off on the total bill and 20% off on the Special Roll menu on Tuesdays at Azuma Japanese Restaurant, Hana Japanese Restaurant, Edo Ichi, Ichi Zen, Sushi Zento, and Azuma Sushi. This is an ongoing offer that is valid until 31 May 2018.

You get RM60 off for Doctor House calls, pharmacists, live chat service with a doctor, and nutritionists on Doctor2U. This is an ongoing offer that is valid until 31 December 2017.

You get 20% off on all hair services at Shins Studio Premier. This is an ongoing offer that is valid until 31 December 2017.

You get 10% off on the a la carte menu at Le Sand. This is an ongoing offer that is valid until 31 December 2017.

You get 10% off on Adult Buffet at Seoul Garden. This is an ongoing offer that is valid until 30 April 2018.

Hong Leong Bank Balance Transfer

You can transfer the outstanding credit card balances from other credit cards to Hong Leong Credit Card for a lower interest rate for up to a year. You can save and enjoy the convenience of consolidating your credit card commitments to one account.

If you are a new Hong Leong Credit Cardholder, you will be given a lifetime balance transfer repayment period. The interest offered is up to 4.99% p.a.

If you are an existing Hong Leong Credit Cardholder, you can transfer the balance for 6 or 12 months. The interest rate offered is 6.99% p.a.

You can call 03-7626-8899 for assistance in the balance transfer process. You will have to decide on the total amount and your preferred repayment months.

When you choose to transfer the balance during your birthday month, you get lifetime 4.99% p.a. offer.

Classic/Platinum/Gold – RM21.20 or 5.3% of the amount advanced, whichever is higher.

Hong Leong ACCCIM and Platinum Business Card – RM21.20 or 3.18% of the amount advanced, whichever is higher.

Minimum monthly repayment

RM50 or 5% of the outstanding amount, whichever is higher.

Interest-free period

20 days.

Late payment charge

RM10 or 1% of the outstanding balance, whichever is higher.

Card replacement fee

RM50

Category Maintenance fee for WISE Card

RM10.60

Additional statement request fee

RM5.30 per request.

Sales draft retrieval fee

RM21.20 per copy.

Annual processing fee – The Store and Pacific

Gold – RM21.20
Platinum – RM42.40

PIN re-generation fee

RM5.30 per request.

Overseas transaction fee

Rate determined by Visa and MasterCard plus 1% administration fee.

Early settlement fee – Balance Transfer

RM70

Early settlement fee – Cash on Call

RM25

How to apply for a Hong Leong Bank Credit Card?

You can apply for a Hong Leong Bank Credit Card by visiting the closest Hong Leong branch. You can meet with the representative and he will guide you through the application process. You can also leave your details on the bank website. The bank representative will contact you back.

You can also apply for the credit card online. You will get suggestions for the credit cards when you enter your income details. You will have to enter all your relevant information as well.

How to increase Hong Leong Bank Credit Card limit?

You can increase your credit card limit permanently if your salary has increased. You will have to submit the Permanent Credit Limit Increase Request Form. You will have to declare debt obligations with non-banks. You can fax the completed form to 03-7946-8888 along with the documents required. You can also mail it to Hong Leong Bank Card Centre, P.O. Box – 12109, Kuala Lumpur – 50768.

You will have to submit the following documents along with your application form:

Self-employed applicant:

Latest Borang B with duly certified by LHDN along with the tax receipt.

Employed applicant:

Latest 3 months’ payslip.

Borang B with proof of tax paid.

Latest 3 months’ salary slip.

Latest EPF statement.

Hong Leong Bank Credit Card Customer Care / Hotline Number

You can reach the Hong Leong Bank at 03-7626-8899. The Self-Service Phone Banking and Relationship Officers are available 24x7 even on public holidays and weekends.

Hong Leong Bank Credit Card FAQs

Q. What is the minimum credit limit I can get with Hong Leong Bank Credit Cards?

A. You can get a minimum credit limit ranging from RM2,000 – RM45,000.

Q. Can I convert the purchases to installment payments if I cannot pay it at once?

A. Yes, you can convert the purchases to Extended Payment Plan for up to 12 months.

Q. Will I get travel insurance coverage if I pay the flight tickets with my Hong Leong Credit Card?

A. Yes, you will get a travel insurance coverage of up to RM1,700,000.

Q. How much of the credit limit can I access through cash advance?

A. You can withdraw up to 90% of the credit limit.

Q. What is the minimum amount that I can transfer under Balance transfer?

A. You can transfer a minimum of RM1,000 under the Balance Transfer Programme.

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